$CZFS
CITIZENS FINANCIAL SERVICES INC

2023 Q3 Form 10-Q Financial Statement

#000114036123038681 Filed on August 09, 2023

View on sec.gov

Income Statement

Concept 2023 Q3 2023 Q2
Revenue $2.597M $2.034M
YoY Change 14.56% -89.52%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $490.0K $266.0K
YoY Change 92.91% 3.5%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $14.29M $8.889M
YoY Change 386.38% 429.74%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $9.147M -$5.332M
YoY Change -0.57% -163.6%
Income Tax $1.599M -$1.188M
% Of Pretax Income 17.48%
Net Earnings $7.548M -$4.144M
YoY Change 0.05% -160.05%
Net Earnings / Revenue 290.64% -203.74%
Basic Earnings Per Share $1.61 -$1.01
Diluted Earnings Per Share $1.61 -$1.01
COMMON SHARES
Basic Shares Outstanding 4.704M 3.971M
Diluted Shares Outstanding 4.700M 4.113M

Balance Sheet

Concept 2023 Q3 2023 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $45.19M $46.56M
YoY Change 77.89% 102.59%
Cash & Equivalents $43.34M $44.71M
Short-Term Investments $1.858M $1.849M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $21.42M $21.38M
YoY Change 23.34% 22.35%
Goodwill $84.76M $84.76M
YoY Change 170.14% 170.14%
Intangibles $3.866M $4.071M
YoY Change 181.98% 180.95%
Long-Term Investments
YoY Change
Other Assets $21.40M $20.11M
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.959B $2.892B
YoY Change 25.94% 30.68%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $2.700M $2.256M
YoY Change 192.84% 298.59%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $2.700M $2.256M
YoY Change 192.84% 298.59%
LONG-TERM LIABILITIES
Long-Term Debt $316.2M $318.2M
YoY Change 22.12% 187.86%
Other Long-Term Liabilities $42.50M $42.02M
YoY Change 42.97% 50.02%
Total Long-Term Liabilities $358.7M $360.2M
YoY Change 24.27% 159.99%
TOTAL LIABILITIES
Total Short-Term Liabilities $2.700M $2.256M
Total Long-Term Liabilities $358.7M $360.2M
Total Liabilities $2.697B $2.629B
YoY Change 24.94% 30.27%
SHAREHOLDERS EQUITY
Retained Earnings $167.7M $162.5M
YoY Change 5.53% 5.99%
Common Stock $5.161M $5.161M
YoY Change 16.55% 16.55%
Preferred Stock
YoY Change
Treasury Stock (at cost) $16.87M $16.80M
YoY Change -0.54% -1.41%
Treasury Stock Shares
Shareholders Equity $262.7M $263.2M
YoY Change
Total Liabilities & Shareholders Equity $2.959B $2.892B
YoY Change 25.94% 30.68%

Cashflow Statement

Concept 2023 Q3 2023 Q2
OPERATING ACTIVITIES
Net Income $7.548M -$4.144M
YoY Change 0.05% -160.05%
Depreciation, Depletion And Amortization $490.0K $266.0K
YoY Change 92.91% 3.5%
Cash From Operating Activities $7.430M -$7.507M
YoY Change -19.81% -347.84%
INVESTING ACTIVITIES
Capital Expenditures $380.0K $1.718M
YoY Change -250.79% -304.52%
Acquisitions
YoY Change
Other Investing Activities -$72.53M $125.2M
YoY Change -49.3% -193.09%
Cash From Investing Activities -$72.91M $123.5M
YoY Change -49.12% -191.25%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 64.11M -97.43M
YoY Change -53.04% -350.83%
NET CHANGE
Cash From Operating Activities 7.430M -7.507M
Cash From Investing Activities -72.91M 123.5M
Cash From Financing Activities 64.11M -97.43M
Net Change In Cash -1.370M 18.54M
YoY Change -155.33% -119.84%
FREE CASH FLOW
Cash From Operating Activities $7.430M -$7.507M
Capital Expenditures $380.0K $1.718M
Free Cash Flow $7.050M -$9.225M
YoY Change -25.93% -338.43%

Facts In Submission

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CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
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CY2022Q1 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
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CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
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CY2022Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off
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CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses Recovery
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CY2022Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery
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CY2022Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
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CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
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FinancingReceivableAllowanceForCreditLosses
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CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses
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CY2022Q4 czfs Financing Receivable Loans Acquired With Deteriorated Credit Quality
FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality
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NotesReceivableGross
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CY2023Q2 czfs Financing Receivable Nonaccrual With Allowance For Credit Loss
FinancingReceivableNonaccrualWithAllowanceForCreditLoss
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FinancingReceivableNonaccrualNoAllowance
7848000
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FinancingReceivableRecordedInvestmentNonPerformingLoans
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CY2023Q2 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
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6938000
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FinancingReceivableNotPastDue
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2162842000
CY2023Q2 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
139000
CY2023Q2 czfs Financing Receivable Recorded Investment Current And Non Accrual
FinancingReceivableRecordedInvestmentCurrentAndNonAccrual
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CY2023Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
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2144802000
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2149769000
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FinancingReceivableNotPastDue
2150205000
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2162842000
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FinancingReceivableNotPastDue
1714673000
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PurchasedCreditImpairedLoans
3306000
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1724999000
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3370000
CY2022Q4 czfs Purchased Credit Impaired Loans Non Accrual
PurchasedCreditImpairedLoansNonAccrual
0
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
6938000
CY2022Q4 czfs Financing Receivable Recorded Investment Current And Still Accruing
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1711303000
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PurchasedCreditImpairedLoansAndStillAccruing
3306000
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FinancingReceivableRecordedInvestmentTotalAndStillAccruing
1718061000
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FinancingReceivableNotPastDue
1714673000
CY2022Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3306000
CY2022Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1724999000
CY2023Q2 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
7
CY2023Q2 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
1008000
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AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
13
czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
2891000
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NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
1
czfs Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
91000
CY2023Q2 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
7
czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
13
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NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
1
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AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
2891000
czfs Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
91000
CY2023Q2 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
426000
us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
2885000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
2161000
CY2022Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
543000
CY2023Q2 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
7288000
CY2023Q2 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
3217000
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FiniteLivedIntangibleAssetsNet
4071000
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FiniteLivedIntangibleAssetsGross
4279000
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FiniteLivedIntangibleAssetsAccumulatedAmortization
3007000
CY2022Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1272000
CY2023Q2 us-gaap Goodwill
Goodwill
84758000
CY2022Q4 us-gaap Goodwill
Goodwill
31376000
CY2023Q2 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
106000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
210000
CY2022Q2 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
118000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
240000
CY2023Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year
FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear
465000
CY2023Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
835000
CY2023Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
698000
CY2023Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
565000
CY2023Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
452000
CY2023Q2 czfs Finite Lived Intangible Asset Expected Amortization After Year Four
FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour
1056000
CY2023Q2 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
4071000
CY2023Q2 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-3848000
CY2023Q2 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
370000
CY2023Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-4218000
CY2022Q2 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-11821000
CY2022Q2 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
-27000
CY2022Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-11794000
us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-26491000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
-87000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-26404000
czfs Individually Analyzed Loans Held For Investment Estimated Selling Cost
IndividuallyAnalyzedLoansHeldForInvestmentEstimatedSellingCost
359000
CY2022 czfs Individually Analyzed Loans Held For Investment Estimated Selling Cost
IndividuallyAnalyzedLoansHeldForInvestmentEstimatedSellingCost
50000

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